program they have to undertake flood land management in order to mitigate the risk of flood insurance. >> host: virginia, bay city, michigan. virginia, did you get some effects of hurricane city in michigan? >> caller: know, however been in the great lakes area we had torrential waves and we certainly were affected, but not nearly as much as those folks right on the water. however, john, you seem like a very nice young man. i've been around the block a little bit and sold real estate in our area for many years. even michigan, clearly water is everywhere, right? and i will tell you this is clearly another example of socializing the debt, privatizing the process and unfortunately, people do not win at the end of the day and they get stuck with the bill.